Do anyone of you  have made this practical?

I also invest myself which I believe is a good plus as well for an agent, because then you are practicing what you preach.Anything else?

However, just keep in mind that lending practices change over time and it's anyone's guess what that'll look like a decade from now.Hopefully this is what you were looking for and helpful!

My practice is to tell the sellers what I can get them for their house and offer them the alternative of a fast sale under retail pricing.

Give your estimate to potential buyers but be clear that it's their responsibility to practice their own due diligence.

@Presh DineshkumarMost of the Plus and Pro membership "perks" are very U.S.A. focussed - even the on-line calculators - and have less practical value to Canadians ... even those unfortunate enough to be stuck in the GTA ;-)Some Plus/Pro features .. such as the search members by zip or postal code now work (sort of) for Canadians (polite nagging can pay off ).If you are a flipper, or offer a real estate related service (architect, trade, etc), then the ability to post advertisements to the Real Estate Marketplace is a benefit.I upgraded to a Pro membership early on to support the site and its growth as I found it to be a credible venue for exchanging knowledge and making contacts with respect to real estate. 

If I don't like it or don't make any money by Oct 2017, then I can cancel.Currently, I am looking to buy my first home to live in, not flip or rent.I am looking to learn everything and hope to put it into practice.

This will be a good chance to practice my pitch if nothing else.

Here is a summary of the Section: - Developing a set of house rules is a good practice - The decision about whether to develop house rules for a property rests with the owner- House rules need to be listed in the lease (addenda or otherwise)- House rules must not be discriminatory ("create a disparate impact") per federally protected classesAs pointed out, some tenants may find the concept and term curfew derogatory.

I have been practicing my analysis of potential properties but I'm not confident in the accuracy of my numbers because I can't find any hard data on these items.